How Does Age Impact Auto Insurance Cost? 

Many factors affect auto insurance costs, including the driver’s age. DRD Insurance Agency can discuss these factors and help you make informed decisions about your coverage.

How Age Influences Auto Insurance Rates

Although state law dictates that it cannot be the sole consideration, auto insurance companies in California can use age as a factor when calculating premiums. Generally, younger drivers, especially teens and those under 25, tend to pay higher rates. This is because statistics show that younger drivers are more prone to accidents, often due to inexperience.

Insurance rates typically decrease as drivers gain more experience and reach their mid-20s. Drivers in their 30s, 40s and 50s often enjoy the lowest premiums, provided they maintain a clean driving record. However, as drivers reach their senior years, rates may begin to rise again. Insurers may view older drivers as higher risk due to health-related factors, such as potential declines in vision and reaction time.

Other Factors Insurers Consider in California

While age can be a factor, it’s not the only one that affects your auto insurance cost. Insurers in California also consider:

• Driving history and accident record
• Type of vehicle you drive
• Where you live and park your car
• How many miles you drive annually
• Coverage limits and deductibles you choose

How We Help California Drivers

DRD Insurance Agency works with drivers of all ages to find the best possible coverage at competitive rates. We can help you understand your choices and identify discounts for which you may qualify. Visit our office in La Habra, CA or contact us today to speak with one of our insurance professionals.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.